MultiPlan serves over 700 healthcare clients. Their customers are primarily health insurance companies and self funded employers along with government entities that pay for healthcare.

MultiPlan’s primary product is the PHCS provider network which is a national preferred provider organization (PPO). They also offer complementary provider networks that increase availability, fill in provider gaps, and improve access to specialty care.

MultiPlan reviews bills from network and out of network providers and negotiates out of network charges to save money for both clients and patients. This process allows them to detect wrong billing codes and catch potential fraud.

Does MultiPlan Cover Addiction Treatment?

The PHCS provider network includes over a million healthcare providers across the country, and some of them provide substance use and mental health treatment. However, it’s not MultiPlan’s decision what care is covered — the insurance company or self funded employer determines that.

If the insurance plan that uses the PHCS network falls under the Affordable Care Act, then it will have to cover 10 essential health benefits which include mental health and addiction treatment. However self funded insurance plans aren’t subject to the ACA so they may or may not cover rehab.

That’s why it’s so important to verify your insurance details before you commit to treatment. You may also need a referral or preauthorization for coverage for example. When you check in advance you can avoid any surprises while you’re trying to focus on recovery.